28 .

Embedded Finance ’ s watershed year

55 . REGIONAL ROUND UP :

An update of news from around our regions , including Africa , APAC , Europe , the Middle East and North America

12 . LATEST INTELLIGENCE :

Whitepapers from Zscaler and Erudit

ANALYSIS

34 .

A leader in managing contingent workers across the globe

14 . TECH TRENDS :

Sixty percent of employees using AI regard it as a co-worker , not a job threat

66 . BUSINESS INSIGHTS :

Factors in the workplace that could be increasing staff turnover

70 . FINAL WORD :

Customer experience trends to look out for in 2023

18 . INFOGRAPHICS :

Consumers ready to meet brands in Metaverse

20 . EDITOR ’ S QUESTION :

What did you learn in business during the last year and how do you see your business developing in 2023 ?

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